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Investor CDs

Issued by HSBC Bank USA N.A., these are far from your typical Certificates of Deposit. These are Investor CDs with enhanced opportunity and anchored with the guarantee of your initial principal investment1.

HSBC Securities now makes these innovative Investor CD products available to enhance portfolios like yours, with the considerable support of one of the world's largest financial institutions. An HSBC Securities Financial Advisor can show you how these Investor CDs can complement the balance of your investments.

  • Equity-Linked Investor CD - Linked to stock market performance on the Nasdaq®-1002 and S&P® 500,3 this product offers enhanced return potential4. It is an alternative choice for those attracted to market investing but worry about principal risk.

    If the market index increases over the term chosen, you can earn potential interest for an enhanced return. If a decline should occur, your original investment is protected and the full amount of your principal is returned at maturity1.


  • Callable Step-Up Investor CDs - Callable Step-Up Investor CDs may provide interest rates higher than traditional fixed-rate CDs because they may be retired early by issuers. Interest rates typically increase, or step up, at regular intervals when the Investor CD is outstanding. For example, a three-year Investor CD may offer a step-up of 2% for year one, 3% for year two, and 4% for year three.

    Callable Step-Up Investor CDs can be "called" prior to maturity at the discretion of the issuer. If it is called by the issuer after the initial non-call period, principal is returned plus accrued interest5. If the Investor CD is not called, however, you will continue to earn the specified rate of interest for every accrual period the Investor CD is outstanding until maturity or redemption.

    For more information, please contact Customer Service at
    1-800-662-3343 or click here for a Financial Advisor.

  • Callable LIBOR Range Accrual Investor CD - This Investor CD is based on the London Interbank Offer Rate (LIBOR), an international standard for U.S. dollar rates.

    Callable LIBOR Range Accrual Investor CDs may pay higher rates than traditional fixed-rate CDs. Interest accrues each day the LIBOR fixing rate is within a pre-determined range.

    For more information, please contact Customer Service at
    1-800-662-3343 or click here for a Financial Advisor.


Arrange your visit now with an HSBC Securities Financial Advisor. Just call 1-800-662-3343 to schedule an appointment.

 

NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES

NOT FDIC-INSURED

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES

MAY LOSE VALUE



1 Capital is protected when Investor CDs are held to maturity. Investor CDs sold in the secondary market can be priced above or below the original issue price.

2 The Nasdaq®-100 stock index is comprised of 100 U.S. stocks and is an indicator of the performance of the 100 largest and most active non-financial domestic and international issues listed on the Nasdaq®. An investor cannot invest in an index directly, and its returns are not indicative of the performance of any specific investment, including Investor CDs.

3 The S&P®500 stock index is comprised of 500 U.S. stocks and is an indicator of the performance of the overall U.S. stock market. An investor cannot invest in an index directly, and its returns are not indicative of the performance of any specific investment, including Investor CDs.

4 The amount of interest depends on the movement of the linked financial index. Capital is only protected when Investor CDs are held to maturity. Investor CDs sold in the secondary market can be priced above or below the original issue price.

5 When Investor CDs are called, investors risk a lower reinvestment rate. The "step rate" on a brokered Investor CD may be below or above the market rates and are subject to secondary market risk. The initial rate cannot be used to calculate the yield to maturity.



Securities and annuities are provided by Registered Representatives and Insurance Agents of HSBC Securities (USA) Inc., member NYSE/FINRA/SIPC, registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc.

HSBC Securities (USA) Inc. or any other member of the HSBC Group may from time to time underwrite, perform or seek to perform investment banking services for issuers or make a market or otherwise buy or sell as principal securities or other instruments, or together with the issuers directors, officers and employees may have either a long or short position in securities, commodities, currencies or other instruments or futures or options contracts convertible into securities or other instruments.

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